BBVA promotions and benefits

Secure up to €313 with BBVA!

  • Up to €73 cashback on your purchases with the BBVA debit card during the first 6 months.
  • Up to €240 for the first 8 friends who open a BBVA account based on your recommendation.

Get started now and enjoy the benefits!

  • 3.5% cashback

    Up to a purchase value of €350 per month within the first 6 months, in other words, up to €73 paid directly into your account.

  • Refer a friend

    Thirty euros for every person you successfully recruit, up to €240 total. Your friends will receive €40 starting credit.

Benefit from your BBVA current account's long-term interest rate

Open your account for free in just a few minutes.

  • Your free account with 3.5% interest p.a. on balances up to €200,000.
  • Without conditions: No minimum salary or balance requirements.
  • Take advantage of the offer for the first 6 months. After this you will keep benefiting from an automatic variable interest rate, which is currently 2.25%.

Your benefits at a glance

With your free-forever current account, you also benefit from:
  • Free debit card with physical and digital versions.
  • Innovative security features and card management.
  • Withdraw cash worldwide at Mastercard ATMs.
  • Deposit and withdraw money via app in German retail stores.
  • Instant transfers, direct debits and everything you need for your daily finances.
  • Expense analysis and multibanking for smart financial management.
  • Savings Box with up to 5 savings goals and adjustable savings rules that can be adjusted individually.

 

*This offer requires that a BBVA current account be opened for the first time starting on July 1, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.5% p.a. for balances up to €200,000, with no minimum amount. For balances above €200,000 and up to €500,000, the gross interest rate is 2.25% p.a.; Balances exceeding €500,000 do not accrue interest.

Interest is calculated daily based on your account balance at the end of each day and is credited monthly.

interest after the first 6 months: After the promotional period has ended, a variable gross interest rate will apply to balances up to €500,000. Currently, this is 2.25% p.a. without further requirements or 2.75% p.a. for monthly payroll or pension payments to the BBVA current account or for monthly payments with your BBVA debit card and/or BBVA credit card(s) totaling €1,500 or more.

Balances exceeding €500,000 do not accrue interest. Interest rates are reviewed quarterly and may be adjusted. Regardless, the interest rate is always at least 25% of the ECB's applicable interest rate for its deposit facility.

Only transfers marked accordingly are regarded as payroll or pension payments; Transfers from one's own account and transfers from private individuals are not taken into account.

More information at bbva.de.

The following are excluded: fee-related BBVA card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

**The BBVA cashback offer requires that a BBVA current account be opened and is valid for the first 6 months after making the first card payment. To receive cashback, you must make your first payment with the BBVA debit card within 90 days of opening your account.

With the BBVA debit card you receive 3.5% cashback on online and offline purchases totaling up to €350 in purchase value. This means that you can receive €73 cashback in 6 months. The maximum cashback payment is €12.25 per month.

No cashback is awarded for payments related to financial services and banks, cryptocurrencies, gambling and betting, debt collection services and cash withdrawals.

More information at bbva.de.